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A VAT loan is a type of tax loan that can be used to cover the costs of HMRC Bills. VAT loans are repaid over a period of time, typically 3 months, and the interest rate is often lower than other loans. 

Split your VAT bills into manageable monthly payments with a VAT loan & ease the outflow of money from the business.

vat finance

VAT Loans up to £250k

vat loans

VAT Loan rates from 5.5%

vat funding

Credit score not affected

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business vat loan

Over £100 million lent to small businesses.


How Love Finance VAT Loans Work

  • loans tax
  • Apply

  • Quotes take less than 2 minutes.
  • bill vat
  • Approve

  • Get an instant and fair credit decision.
  • business vat loan
  • Sign

  • Docs can be signed from any device. 
  • vat facility loan
  • Receive

  • Money is sent to your account in 24 hrs.
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Find out how much you can borrow


Why Use Love Finance to finance your VAT

loans to pay vat

Available 24/7

Access to our financial services is always available

vat bill loan

Fully automated

Fill out our short online form - get an instant VAT loan quote. 

vat loans hmrc

What suits you

Flexible payment terms up to 5 years. No hidden fees.



What Are VAT Loans?

A VAT loan is a type of finance that can be used to help businesses with their VAT payments. VAT loans are typically short-term loans that are repaid over 3 to 12 months. This type of loan can be a useful way to improve cash flow and manage VAT payments. 



What Are the Benefits of VAT Loans?

Many businesses choose to take out VAT loans in order to finance their VAT bill. This can be a useful option for businesses who are struggling to pay their VAT bill on time, as it allows them to spread the cost of the loan over a longer period of time. VAT loans can also be used to finance other business expenses, such as expansion or refurbishment costs. VAT loans often benefit from:

Competitive rates

Fast pay-outs

Fixed monthly payments 


How Much Can You Borrow for VAT Loans 

Our VAT loans can be approved up to £250,000, however as they are often short-term loans, usually paid between 3-12 months, meaning the typical amount is much lower. 


Why You Need to Pay Your VAT Bill on Time

If you're a business owner, you know that there are a lot of different bills to keep track of. One of the most important is your VAT bill. VAT, or value-added tax, is a tax levied on certain goods and services. As a business owner, it's important to pay your VAT bill on time to avoid any penalties or interest charges.

Paying your VAT bill on time is that it can help you avoid paying late fees. If you're even a day or two late in paying your VAT bill, you may be charged a late fee. This can add up quickly, and it's something that you'll want to avoid if at all possible.

VAT loans can help you avoid these penalties if you do not have the funds, or you are concerned that your cash flow will be weakened by making the bulk payment. A VAT loan is basically a loan that you take out to cover the cost of your VAT bill. 

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Chat with an Account Manager Before You Apply for a VAT Loan

We're automated, but it's always nice to know there's a real person behind the scenes to support your funding needs, so if you have any questions regarding VAT loans or want to enquire, please don't hesitate to contact us before you apply for a business loan.

Call 0800 086 9404 or Email Us
Office Hours are Monday to Fri 9:00 am - 5:30 pm